IFFCO Tokio Health Insurance for Individual

Individual Health Protector Policy by Iffco Tokio is a great individual health insurance plan. Offering comprehensive coverage at an affordable premium rate, the policy meets the diverse medical needs of countless policyholders and their families. Covering dependent children as well as adults, Individual Health Protector Policy covers senior citizens too. Offering guaranteed renewability for life, the policy comes with the feature of emergency assistance services, coverage for critical illness, and numerous benefits like such.

Key Features

• Lifelong renewability
• Vast coverage for all family members
• Sum insured options ranging between Rs. 50,000 up to Rs. 20 Lakh
• Emergency assistance services
• Higher Sum Insured for Critical Illness Coverage
• An additional daily allowance amount equivalent to 0.20% of sum insured per day
• Add-on of critical illness cover
• Tax benefits under Section 80D of the IT Act 1961

Scope of Coverage

• Inpatient hospitalisation, comprising room rent expenses, ICU expenses, and others
• AYUSH treatment expenses
• 45 days pre & 60 days post hospitalisation expenses up to the limit of sum insured
• Charges incurred for domiciliary hospitalisation up to a maximum aggregate sub-limit of 20% of sum insured
• Coverage for 121 daycare procedures or surgeries
• Cost of health check-up up to 1% of the basic sum insured
• Vaccination expenses covered up to 10% of total premium paid
• 5% increase of the basic sum insured in cumulative bonus at each renewal in respect of each claim free year, subject to maximum of 50%

Eligibility

Iffco Tokio Individual Health Protector Policy comes with a minimum entry age of 91 days. However, the maximum entry age for the policy is 65 years.

Exclusions

• Dental treatment or surgery of any kind, unless requiring hospitalisation
• Any expense on experimental or unproven treatments
• Allopathic or AYUSH medicines
• Pre-natal and post-natal expenses
• Stem cell implantation/surgery and Genetic disorders

When it comes to health insurance for an individual, Individual Health Protector Policy is widely relied on. You too can talk to experts at InsuranceDekho at 1800 1205 698 to uncover more about the policy before investing in it.